American Express Business Explorer Credit Card | Compare & Apply

American Express Business Explorer Credit Card

Offer
Card features
rewards program
interest free days
annual fee
Apply
American Express Business Explorer Credit Card
Apply by 31 jul 19
American Express Business Explorer Credit Card
Receive 100,000 bonus Membership Rewards points when you apply by 31st July 2019, are approved and spend $3,000 on your card within the first 3 months.
Earn 50,000 business loyalty bonus points when you spend $100,000 every 12 months from the card approval date.
Save $0 p.a. on the waived annual fee for the first year.
Add to comparison
Membership Rewards Gateway
Membership Rewards Gateway
55 days
interest free
(up to)
$0
1st year
then $395

Pros & cons

What's good?

What's not so good?

Receive 100,000 bonus Membership Rewards points when you apply by 31st July 2019, are approved and spend $3,000 on your card within the first 3 months.
Earn 50,000 business loyalty bonus points when you spend $100,000 every 12 months from the card approval date.
Save $0 p.a. on the waived annual fee for the first year. You will start paying the annual fee in the second year.
Enjoy up to two entries per year to the American Express Lounge.
Earn up to 2 pts per $1 spent on eligible purchases with the Membership Rewards Gateway program.
You are eligible for the signup bonus points if you have or have held, an Amex companion card from a different bank.
Travel with peace of mind with the complimentary travel insurances.
To get a credit card like this one, you will need a minimum income of $24,000.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Single
Card tier
Platinum
Card type
American Express
Card use
Business
Credit rating
No history of bad credit
Gambling transactions allowed
No
Joint application
N/A
Minimum age
18 years old
Minimum income
$24,000
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
Membership Rewards Gateway
Temporary residents
Business Long Stay Visa (subclass 457)

Cardholders

Additional cardholders
99
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$3,000
Maximum credit limit
$24,000

Repayments

Interest charged from
N/A
Interest free period
Up to 55 days on purchases
Minimum repayment
whichever is greater, $30 or 2.5%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances N/A N/A
Purchases 1.42% 16.99% p.a.

Fees

Annual fee
$0 p.a.
Annual fee 2nd year
$395 p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
$6
Duplicate statement fee
$10
Foreign exchange fee
3%
Late payment fee
$30
Over limit fee
N/A
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
N/A

Rewards & points

Rewards program basics

First purchase bonus
100,000 points
Reward points expiry
Never
Rewards program
Membership Rewards Gateway
Spend required for bonus points
$3,000 in 3 months

Earning points with this card

Frequent flyer points
2 pts per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
N/A
Points cap per year
N/A
Points earned on ATO payments
1 pts per $1 spent
Reward points
2 pts per $1 spent

Additional benefits

Airport lounge access
Yes
Complimentary flight voucher
No
Concierge service
Yes

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $24,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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